Can I retire at age 65 with 1,750,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$144,513$143,226$141,970$140,744$139,547$135,460
2 years$71,541$70,209$68,918$67,666$66,451$62,367
3 years$47,220$45,882$44,594$43,354$42,159$38,205
4 years$35,062$33,728$32,453$31,234$30,068$26,275
5 years$27,769$26,443$25,185$23,991$22,858$19,236
6 years$22,909$21,593$20,353$19,186$18,086$14,639
7 years$19,439$18,134$16,914$15,774$14,709$11,436
8 years$16,837$15,544$14,344$13,232$12,203$9,102
9 years$14,815$13,534$12,355$11,271$10,276$7,345
10 years$13,198$11,929$10,771$9,716$8,756$5,990
11 years$11,876$10,620$9,483$8,455$7,530$4,925
12 years$10,775$9,532$8,416$7,417$6,526$4,076
13 years$9,844$8,614$7,519$6,548$5,691$3,391
14 years$9,047$7,830$6,756$5,812$4,988$2,833
15 years$8,357$7,153$6,099$5,184$4,392$2,375
16 years$7,753$6,563$5,530$4,641$3,882$1,996
17 years$7,221$6,044$5,032$4,170$3,442$1,682
18 years$6,749$5,585$4,594$3,758$3,060$1,420
19 years$6,327$5,176$4,205$3,396$2,728$1,201
20 years$5,948$4,810$3,859$3,076$2,436$1,017
21 years$5,605$4,480$3,550$2,791$2,180$862
22 years$5,294$4,182$3,272$2,538$1,954$732
23 years$5,010$3,911$3,021$2,311$1,754$621
24 years$4,750$3,665$2,794$2,108$1,577$528
25 years$4,512$3,439$2,588$1,925$1,419$449
26 years$4,292$3,232$2,400$1,760$1,278$382
27 years$4,089$3,042$2,229$1,611$1,152$325
28 years$3,900$2,866$2,072$1,476$1,040$277
29 years$3,725$2,704$1,928$1,354$939$236
30 years$3,562$2,554$1,796$1,242$848$201
31 years$3,410$2,414$1,674$1,141$767$171
32 years$3,268$2,284$1,562$1,049$694$146
33 years$3,134$2,163$1,458$964$628$124
34 years$3,009$2,050$1,363$887$568$106
35 years$2,891$1,945$1,274$817$515$90
36 years$2,779$1,846$1,192$752$467$77
37 years$2,674$1,753$1,116$693$423$66
38 years$2,575$1,666$1,045$639$383$56
39 years$2,481$1,584$979$589$348$48
40 years$2,393$1,507$917$543$315$41
41 years$2,308$1,435$860$501$286$35
42 years$2,228$1,366$807$463$260$30
43 years$2,152$1,302$757$427$236$25
44 years$2,079$1,241$711$394$214$22
45 years$2,010$1,183$667$364$194$18
46 years$1,944$1,129$627$336$176$16
47 years$1,881$1,077$589$311$160$13
48 years$1,821$1,028$553$287$145$11
49 years$1,764$982$520$265$132$10
50 years$1,709$938$489$245$120$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $1,750,000, adding $3,007 every year, while hoping to spend $36,544 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 50/41/9 Blend
64$1,750,000$1,750,000$1,750,000$1,750,000
65$1,931,602$1,838,852$1,811,727$2,023,472
66$2,089,743$1,890,073$1,833,537$2,137,777
67$2,262,789$1,942,579$1,854,853$2,257,782
68$2,452,223$1,996,395$1,875,620$2,387,331
69$2,659,676$2,051,544$1,895,779$2,527,328
70$2,886,944$2,108,052$1,915,270$2,678,769
71$3,136,008$2,165,942$1,934,027$2,842,748
72$3,409,046$2,225,238$1,951,982$3,020,471
73$3,708,458$2,285,964$1,969,063$3,213,263
74$4,036,889$2,348,145$1,985,194$3,422,585
75$4,397,250$2,411,802$2,000,297$3,650,043
76$4,792,749$2,476,959$2,014,286$3,897,408
77$5,226,918$2,543,639$2,027,073$4,166,627
78$5,703,650$2,611,864$2,038,567$4,459,845
79$6,227,231$2,681,654$2,048,668$4,779,426
80$6,802,385$2,753,032$2,057,274$5,127,971
81$7,434,314$2,826,016$2,064,278$5,508,345
82$8,128,749$2,900,625$2,069,567$5,923,704
83$8,892,004$2,976,879$2,073,021$6,377,524
84$9,731,037$3,054,795$2,074,515$6,873,635
85$10,653,511$3,134,387$2,073,919$7,416,253
86$11,667,869$3,215,672$2,071,095$8,010,025
87$12,783,414$3,298,663$2,065,899$8,660,069
88$14,010,395$3,383,370$2,058,180$9,372,024
89$15,360,105$3,469,805$2,047,779$10,152,101
90$16,844,987$3,557,976$2,034,530$11,007,145
91$18,478,747$3,647,889$2,018,259$11,944,695
92$20,276,492$3,739,549$1,998,784$12,973,060
93$22,254,864$3,832,956$1,975,912$14,101,393
94$24,432,200$3,928,111$1,949,445$15,339,778
95$26,828,706$4,025,009$1,919,173$16,699,328
96$29,466,644$4,123,645$1,884,875$18,192,287
97$32,370,546$4,224,008$1,846,323$19,832,147
98$35,567,443$4,326,086$1,803,277$21,633,773
99$39,087,120$4,429,861$1,755,483$23,613,547
100$42,962,394$4,535,313$1,702,681$25,789,518